Recession-Proof Your Retirement: The Truth About Fixed Indexed Annuities (FIAs)

Backed by Data, Built for Safety

✅ Fact-Checked Benefits of FIAs

1.     Principal Protection:

o   Guaranteed by Contract: Even if the market crashes 30%, your initial investment is safe.

o   2008 Stress Test: FIAs shielded savings during the Great Recession—while stocks fell 37%, FIA holders lost $0.

2.     Market-Linked Growth:

o   Capped Gains, Zero Losses: Earn a % of index gains (e.g., S&P 500®) up to a cap (often 4-7%), but never lose money.

o   Annual Reset: Lock in gains yearly—no givebacks.

3.     Lifetime Income:

o   Guaranteed Paychecks: Activate a rider to get income for life.

o   Example: A 500kFIA could pay 2,300/month at 65 (varies by age/rates).

Case Study: Jane’s 2008 Survival Guide

·       Pre-Crash: Moved $300k to an FIA.

·       2008: Stocks dropped 37%; her FIA earned 0% but kept her $300k intact.

·       Post-Crash: By 2012, her FIA locked in 7-9% gains/year.

·       Today: She collects $1,800/month for life, stress-free.

Should YOU Consider an FIA?

YES if you:

·       Are within 10 years of retirement.

·       Want to sleep through market chaos.

·       Need predictable income.

NO if you:

·       Seek unlimited growth.

Three Steps to Get Started

1.     Audit Your Portfolio: How much can you safely allocate? (Tip: 20%-40% is common.)

2.     Compare Insurers: Only consider companies with A.M. Best “A” ratings.